Win a R1000 Woolworths gift card!

October 11, 2018

This week I published a post on financial advice from Liberty, and the importance of financial someone with expertise to guide you on your financial journey.

Liberty is giving away a R1000 gift card from Woolworths to treat you, and even help you on your financial wellness “journey”.

To enter, all you need to do is mention the best financial advice you’ve ever gotten. There’s no right or wrong answer, and all entries that follow the criteria will be considered.

The giveaway closes on Thursday 18 October 2018 at 10am, after which the winner will be announced on the Rattle and Mum Facebook page, and then emailed.

This giveaway is open to South African residents only. The prize cannot be exchanged for cash or anything else.

Image: Shutterstock

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141 Comments

  • Priscilla

    No money is little, even R10 profit is something. I started selling chips and peanuts at work my profit would b like R10 a day and I’ve upgraded to selling make up my profit is like R100 now. Im proud of myself. So every cent is something.

    October 11, 2018 at 4:41 am Reply
    • nazreend@hotmail.com

      put all you eggs in different basket ..( to but shares in different investments

      October 11, 2018 at 10:17 am Reply
  • Chantal

    The day I started working (many years ago) my mother took me to a broker. I have a retirement annuity, life policy and education policy for my children. The reason for the education policy is so that we don’t have to make loans at the bank the day our son’s do finish high school and want to start their tertiary education. I want to ensure that they are taken care of the day dad and I are no longer around. I don’t want to have to burden them with any unnecessary expenses.

    October 11, 2018 at 4:42 am Reply
  • Chantal

    Save save save.

    October 11, 2018 at 4:44 am Reply
  • Cheraye Engelbrecht

    The best financial advise I have ever received,is to teach your children to put 10% of their pocket money away and also a 10 % for charity (tenth for church). That way you teach them early on to save and to give to the church. I think that is a valuable lesson!

    October 11, 2018 at 4:46 am Reply
  • Tania

    Dont get credit card or apply for loans. If you want to buy something vir don’t have the cash don’t buy it. Save for what you want.

    October 11, 2018 at 4:46 am Reply
  • Priscilla

    No money is too little, i started selling crisps and peanuts at work and my profit was like R10 or less a day….but never gave up until now i hv upgraded to selling make make up and now i make about R100 profit. So every cent makes a difference…and saving is the most important.

    October 11, 2018 at 4:46 am Reply
  • Tidi Esther

    I was advised to just START…there’s no perfect time or perfect amount but just start saving! Ofcourse saving is easier done with based on the right information, so I asked all kinds of questions until I was comfortable enough to make my informed decision. So I started!

    October 11, 2018 at 4:47 am Reply
  • mudassira

    If there is one thing I’ve learned from working with very affluent clients over the last two decades it is that real wealth is generated by owning assets. There are many ways to own assets. You can create them by starting a company, writing a song, producing a movie, or inventing a product. If you work for a salary this doesn’t mean you can’t become wealthy. It just means you need to divert some of your income into buying assets such as stocks, apartment buildings, municipal bonds, etc. Your income is the result of trading your time and value for dollars. Since time is capped, there is a limit on how much you can make. Regardless of how much you make an hour, you must get into the habit of converting your income into assets.

    October 11, 2018 at 4:50 am Reply
  • Lisa Labuschagne

    Best advise is to save
    Save for your retirement one day. It’s always easier said and done though as everytime I think I’m about to save then something unexpected pops up.

    October 11, 2018 at 4:52 am Reply
  • MeeA

    The best financial advice I’ve ever received is: Pay yourself first, and don’t borrow.

    October 11, 2018 at 4:54 am Reply
  • Siyabonga

    Buy what you can afford, do not live beyond your means…

    October 11, 2018 at 4:57 am Reply
  • Tami

    For the longest time, money was a sore point for me. I made bad decisions on more than one occassion and got completely overwhelmed for ages. Now I am super careful and very wary of credit cards, loans and store accounts. Never again!

    October 11, 2018 at 5:03 am Reply
  • Natalie

    Start a savings account for kids when they are little, it makes a big difference when school needs and extra murals get pricey.

    October 11, 2018 at 5:09 am Reply
  • Anu Naidoo

    I was told to take a Retirement Annuity and was explained the importance of having one.
    Absolutely grateful for this advice as it makes a huge difference to my future when I retire as well as has tax advantages .
    Definitely recommend this to everyone especially us single mommies .

    October 11, 2018 at 5:09 am Reply
  • Michele

    It is a good idea to have more than one sources of income in case something goes wrong with your main source.

    October 11, 2018 at 5:20 am Reply
  • Ronnae Elliott

    Take out a Retirement Annuity from a young age. Start saving for the future as soon as possible.

    October 11, 2018 at 5:24 am Reply
  • ragmat Baron

    The best advice I received was to save for my retirement

    October 11, 2018 at 5:27 am Reply
  • Susann

    Save before you spend. If it isn’t in your day-to-day account it is off-limits.

    October 11, 2018 at 5:31 am Reply
  • Nadia Hall

    Budget, budget, budget.

    You need to have some sort of financial plan in place each month to help you ensure that your bills are paid, you’ve saved money and you know exactly how much you can spend on non essential items.

    It’s very easy to overspend when you don’t have a budget in place

    October 11, 2018 at 5:34 am Reply
  • Naina

    The best financial advise I received was to budget, draw up a monthly income and expenses sheet which I do. I also learnt it is important to invest in myself so I have a savings account which any surplus I have goes into it.

    October 11, 2018 at 5:36 am Reply
  • Crystal Amon

    Live by your means… And nevet try to keep up with the Jones’s.

    October 11, 2018 at 5:38 am Reply
  • melissa cook

    It does not matter when you start saving just start, with anything, any amount

    October 11, 2018 at 5:41 am Reply
  • GRACE KAREN NAIDOO

    We started an education policy the day my daughter was born, she is now 18 and will have money to attend university next year.

    October 11, 2018 at 5:45 am Reply
  • Chantal O

    Just take a jar and fill it up with your change. At the end of the year you will be pleasantly surprised and go and save that money

    October 11, 2018 at 5:48 am Reply
  • Kim Muller

    The best financial advise I received was to open a separate account for emergencies. Save as much as you can spare into that account for incidents that normally happen at the time of the month when you don’t have extra money laying around.

    October 11, 2018 at 5:51 am Reply
  • Carla

    It doesn’t matter how much you earn it’s how you save/use your money that counts.

    October 11, 2018 at 5:59 am Reply
  • Clea Yiannakis

    My three year old and nine month old already have retirement annuities.

    October 11, 2018 at 6:02 am Reply
  • Dawn

    The best financial advice I ever received was from my Dad, he told me that whatever was left of my salary at the end of the month I should put into a retirement annuity.

    October 11, 2018 at 6:02 am Reply
  • Jessica

    Best financial advice is to put aside money for medical emergencies in a separate savings account

    October 11, 2018 at 6:03 am Reply
  • Dean

    My mom told me to open an RA even though I have a pension fund with work this was the best financial advice I have received.

    October 11, 2018 at 6:05 am Reply
  • Mishka

    It’s never too late to start saving , start right now even if you have nothing- put away some amount.

    October 11, 2018 at 6:06 am Reply
  • Gloria

    I was told by a broker to never put all my eggs in one basket, to invest my money in seperate accounts and to save extra for my pension.

    October 11, 2018 at 6:06 am Reply
  • Nooraan

    Increasing your installments (to repay a loan) by even R100 reduces the term of the loan

    October 11, 2018 at 6:07 am Reply
  • Nazraana

    The best advise is to save and have policies such as life cover, retirement and education for your kids. once you start using credit cards and accounts then it becomes very difficult to get it paid up and that is your worst mistake that you can make in life. It is better to buy everything you need in cash or save towards it and keep credit for when it is really needed but if you can go without having to use credit then rather don’t use it at all.

    October 11, 2018 at 6:10 am Reply
  • Janet Perry

    The best financial advice I’ve ever been given is to cut your coat according to your cloth. If you can’t pay cash, don’t buy it!

    October 11, 2018 at 6:10 am Reply
  • Dennis

    budget, and don’t borrow if you can help it.

    October 11, 2018 at 6:15 am Reply
  • Melissa

    Save for the future. You can live without certain luxuries now.

    October 11, 2018 at 6:15 am Reply
  • Lerika de Vaal

    Scheduled amount transfer to a another account once salary received

    October 11, 2018 at 6:15 am Reply
  • Pauline Besseling

    Save… always try and save. From the time I started my first job, my mom always encouraged me to save 10% of my salary. These savings have gone on to pay for many important things – a car, a wedding, a baby!

    October 11, 2018 at 6:16 am Reply
  • Julie Ann Kreusch

    Dont borrow money to family or friends and Dont put all your money in one investment. Save for your future.

    October 11, 2018 at 6:18 am Reply
  • lynn botha

    my folks insisted i take out a RA when i started working, and I am so glad i listened. its never too early to start thinking of your future.

    October 11, 2018 at 6:20 am Reply
  • Liezel Thomas

    Don’t live beyond your means, which is a daily struggle in this economy!

    October 11, 2018 at 6:25 am Reply
  • Nicole

    Live within your means, rather save up for some than buying on credit . Also, don’t wait till you can afford children to have them

    October 11, 2018 at 6:26 am Reply
  • Selona Govender

    Absolutely love the article. Really helps when you have accounts that’s over due.
    My best financial tip after years of carelessness is to “Save Save Save” Not next week. Not when you get a raise. Not next year. Today. Because money you put in your retirement fund now will have more time to grow through the power of compound growth. A little goes a long way. And never buy things you want rather buy what you really need especially in the times we’re living in. #giveaway #win #libertygroupsa #finances #financialadvice #financialadviser #financialfreedom

    October 11, 2018 at 6:33 am Reply
  • Sara

    I would love to have money to spend at Woolworths!

    October 11, 2018 at 6:34 am Reply
  • Lisa

    Save what you can no matter how small the amount is.

    October 11, 2018 at 6:37 am Reply
  • Tiyana

    Start saving while still young then in will always stay with you as you grown.

    October 11, 2018 at 6:39 am Reply
  • Kirsty Robinson

    The best advice is to pay a little extra into your bond each month to reduce the repayment terms as well as the interest

    October 11, 2018 at 6:40 am Reply
  • Chad Van Der Rheede

    Never buying anything on impulse. One of the best ways to help prevent this is to make a shopping list and then stick to it.

    October 11, 2018 at 6:45 am Reply
  • Ruth T

    Start saving – even with little.
    Every cent counts!!!

    xxx

    October 11, 2018 at 6:45 am Reply
  • Andrea Bester

    The best advice I have ever got was when I was asked how often do I buy take aways in a month/do random shopping without a list? If I just take the money from 1 take away meal a week , meal plan-with my shopping list and limit the random shopping to once or twice a month.I will see a difference. It seemed silly at first to put away a R50 or R100 a week but it really does help. I keep that as the emergency fund-for unexpected things like DR. appointments or school extras we didn’t plan for.

    October 11, 2018 at 6:52 am Reply
  • BethN

    Always pay a little extra into anything owing especially home loans, this will bring the interest you paying against the capital down quicker and never live beyond your means so if you don’t have the money don’t buy it.

    October 11, 2018 at 6:52 am Reply
  • Nazreen Wadee

    Budget for luxury expenses

    October 11, 2018 at 6:52 am Reply
  • Rashika Harduth

    Work hard, save, and invest, but don’t forget to have fun!

    October 11, 2018 at 7:00 am Reply
  • thechemistryofchaos132409724

    The best financial advice I received is to not buy monthly groceries (as I always did) but to divide your money into weeks and only spend that set amount per week. Also do your shopping only one day a week and not stop at the grocery store everyday. Saved me so much money and time!

    October 11, 2018 at 7:00 am Reply
  • Ashley

    Sometimes it is cheaper to hide your money under the mattress! I’ve heard this expression when I was growing up. As an adult I realized people were referring to heavy bank fees and changes. But I am not sure it is a safer bet to hide it under the mattress hehe

    October 11, 2018 at 7:05 am Reply
  • shaaista mahomed

    to take out a Retirement Annuity!

    October 11, 2018 at 7:06 am Reply
  • Salome Safodien

    Saving part of your income for retirement. Try saving at least 10 percent from every paycheck; it’s never too late to start.

    October 11, 2018 at 7:08 am Reply
  • Nicolette Nunes

    Every Rand counts towards the end game.

    October 11, 2018 at 7:08 am Reply
  • nasika baijnath

    my best financial advise was to never take a store account

    October 11, 2018 at 7:11 am Reply
  • Jaclyn

    Start saving as soon as possible and you will reap the benefits of compound interest.

    October 11, 2018 at 7:12 am Reply
  • Natalie Jodamus

    Pay extra into your bond a month, even it’s a R100. It will reduce your bond in terms of the interest paid over the years.

    October 11, 2018 at 7:18 am Reply
  • Lisa Singer

    The best financial advice I ever got was DON’T BUY ON CREDIT – CASH IS KING!

    October 11, 2018 at 7:25 am Reply
  • Zoë

    My dad always told us to put any extra money, no matter how small into our bond as it pays off the principal amount quicker. Thank dad 😉

    October 11, 2018 at 7:38 am Reply
  • Nirvana Ramdhani

    For me it would be taking out a retirement annuity. We don’t know what the future holds & there’s no guarantees on financial assistance from family or the govt. So best we save & contribute towards it from now while we can

    October 11, 2018 at 7:45 am Reply
  • YVETTE VAN DER BERG

    Dont apply for any loand or get a credit card. AND most importantly dont go under debt review. Saving your money is the best way.

    October 11, 2018 at 7:51 am Reply
  • Kassandra Bindeman

    The best piece of advise my dad shared with me is IF YOU CANT AFFORD TO PAY CASH FOR IT THAN YOU CANT AFFORD IT. That stuck with me and has helped me so much into my adulthood.. I avoid credit and only buy something once ive saved up for it.

    October 11, 2018 at 7:53 am Reply
  • Nicola Meyer

    PAY YOURSELF FIRST! Put that money in a savings account that can’t be touched and leave it.

    October 11, 2018 at 8:05 am Reply
  • natalie hutton

    have a healthy savings account and a good retirement annuity

    October 11, 2018 at 8:17 am Reply
  • Natasha

    Maintaining an emergency fund. Everyone should have between three and six months of living expenses in the bank.

    October 11, 2018 at 8:23 am Reply
  • Yasmin Atcha

    My mother gave me really sound advice when I first started working. She said to put money away into a separate account every month. Either into an investment account and when there’s a rainy day, you have a little money put aside. I still have that account and have used money from that to buy a car without having to go into debt

    October 11, 2018 at 8:30 am Reply
  • Meagan

    I think a lot of money is wasted every month on groceries. You can save thousands per year just by planning meals and grocery shopping according to your meal plans/ list and preparing meals ahead of time (instead of getting last minute take-aways or running into shops multiple times a week). I have found that planning most of my family’s meals (and shopping various specials at one or two different shops) saves a lot of money. It just takes a bit of extra time to sit and compile the list but is well worth it!

    October 11, 2018 at 8:33 am Reply
  • Monica van der Spuy

    Hi, I had two lessons in life regarding financial wellbeing, one is that I had to kill all my retail accounts. If I really needed to buy something, I would use my debit card or credit card, but I had one credit stream to pay off instead of numerous ones and I made sure to pay off the credit card every month. Then, it’s more of a habit, but I pay off all my expenses first before I do anything else with my money, and putting money into my investment/savings account is considered a monthly expense allocation too.

    October 11, 2018 at 8:53 am Reply
  • laverne

    My best advice is to save save and save.Invest in yourself,for your future and for the unforseen circumstances such as death and illness.

    October 11, 2018 at 9:00 am Reply
  • Losh Don Kisten

    My mum used to always save a portion each time you receive allowance/pocket money and when you start work continue to do the same so you can be disclpined in the art of saving…i instilled that in my daughter too

    October 11, 2018 at 9:09 am Reply
  • Michelle Van Rooyen

    The best advice that I received, is that you are never to old to start saving😆 Start small and as you can increase your amount.

    October 11, 2018 at 9:10 am Reply
  • Mellodene Willemse

    Save for a rainy day

    October 11, 2018 at 9:14 am Reply
  • Loveena Pillay

    Keep money away for a rainy day…That’s why I started my own emergency fund were I keep money aside and if the hubby borrows money,he pays back what he borrowed with 50% interest,that way it keeps building

    October 11, 2018 at 9:16 am Reply
  • Anusha Govender

    Always put money away for the rainy days, make a budget so u know exactly what u need to spend on, open a separate savings acc and put money in there and buying monthly or weekly stamps is also a great way of managing your budget. So year end I can use the stamps and save your money.

    October 11, 2018 at 9:18 am Reply
  • Rabe Mutondwa

    To teach my son about money (saving, spending, etc.) from a young age.

    October 11, 2018 at 9:46 am Reply
  • Ang Brouard

    Start saving now and put money away every month. Even if it’s R10 it’s better than nothing. A little goes a long way especially over time.

    October 11, 2018 at 9:51 am Reply
  • Denises Simons

    Save today to reap the benefits tomorrow

    October 11, 2018 at 9:54 am Reply
  • Sapna

    Have a monthly Budget taking into account needs over wants

    October 11, 2018 at 10:07 am Reply
  • Tamra

    “You’re never too young to start saving!”
    Trying to teach that to my children now already.

    October 11, 2018 at 10:21 am Reply
  • Lindi Dewing

    The best advice I got is to save!!!!

    October 11, 2018 at 10:36 am Reply
  • Leonie Willcock

    Don’t ever borrow money from friends or family. Rather do without & put something away every month & save, save, save!

    October 11, 2018 at 11:22 am Reply
  • Cheryldene De Sousa

    Save for a Rainy day. ☔☔☔

    October 11, 2018 at 11:27 am Reply
  • Dannielle Hartley

    Before starting a family save as much as you can, live within your means and buy what you can’t afford.

    October 11, 2018 at 12:25 pm Reply
  • Theresa Vika

    Start saving at least 20% from your very first salary. The younger you are when starting, the better. If you do not have the money to buy it, do without. Avoid making unnecessary debt.

    October 11, 2018 at 1:24 pm Reply
  • Mbali

    Start saving as early as you can and make sure you save every month… It’s ok to buy things on specials/ on discount

    October 11, 2018 at 1:40 pm Reply
  • speedbird059

    Rather buy a little house in a better area, than a large house in lesser area.

    Start saving for your retirement and do not touch that money, even as you move up the corporate ladder and change jobs. By cashing it out, you pay tax. You can transfer between funds. Do good research and invest it into aggressive, profit rewarding investments while young age is on your side.

    October 11, 2018 at 1:58 pm Reply
  • Louie Farr

    Start with retirement early…didn’t follow the advise and know that one day my son will most likely not follow it either, so for his 1st birthday i will be opening a retirement annuity for him and put away R150 every month, and hand it over to him once he starts working – the extra 20 years worth of compound interest will really help him for his retirement one day!

    October 11, 2018 at 2:13 pm Reply
  • nanila

    give thanks for the money I get by giving 10% to God, 10% to give to charity and then save 30% where it can grow. the rest of the 50% is yours to do what you want with it!

    October 11, 2018 at 2:34 pm Reply
  • Linda Laing

    My mum used to save something every month even if it is a R50… it all adds up after a while!

    October 11, 2018 at 5:05 pm Reply
  • Olivia Williams

    Put all your silver coins in an ice cream tub for an entire year… You could have about R1000 in there at the end if not more depending on what you put it in. Think about, an ice cream tub filled with R5 coins…

    October 11, 2018 at 5:55 pm Reply
  • Tracy Coningham

    When I applied for my first credit card, my dad said,” Find the box on the form where it says clear the full amount and tick it”.

    October 11, 2018 at 7:05 pm Reply
  • Heather

    Stay out of debt!

    October 11, 2018 at 8:36 pm Reply
  • Noëlia

    The best advice I got was from my dad, he said that one must learn to save first and spend afterwards.

    October 11, 2018 at 9:50 pm Reply
  • Jackie Naidoo

    The best advice I was given was from my parents to save for my kids education before they were even born, I did so with taking out an educational policy, you only realize how important that valuable piece of advice is when the you want the best education for your little ones.

    October 12, 2018 at 6:36 am Reply
  • Ailsa Porter

    T

    October 12, 2018 at 7:13 am Reply
  • Ailsa Porter

    The best advice I ever received was SAVE every month no matter what.

    October 12, 2018 at 7:15 am Reply
  • Wendy Hartwig

    Save as much as you can every month and also pay off your debt (if you have any) asap – always start off with the smallest debt and end with the biggest.

    October 12, 2018 at 10:11 am Reply
  • Lulama Ndudula

    Save 4 rainy days always

    October 12, 2018 at 10:11 am Reply
  • Chané

    Do not put all your eggs in one nest.
    Don’t put all your money in one investment/ savings account.
    Also make use of 2 different places to invest, so if something happens to a certain bank, not all your money is lost, you still have the other investment/savings account, at a nother bank, to fall back on…

    October 12, 2018 at 10:20 am Reply
  • Cebolihle Nkambule

    Don’t eat money like peanuts, you have to save every cents you have.

    October 12, 2018 at 10:38 am Reply
  • Erinda Esterhuizen

    My Best Finance Advice i got was at my Mom and Granparents to Save For Tomorrow
    They Taught me How to open up a Post box acount and a bank acount and I saved my money every month
    Always Work hard and save all your money where possible
    also invest your money make it grow for you and your Children
    My family and i LOVE to spend but enjoy saving every month
    i would love to win this Incredible giveaway

    October 12, 2018 at 10:53 am Reply
  • Andrea

    Save 3 months worth of your salary for a rainy day

    October 12, 2018 at 11:09 am Reply
  • Michael van Niekerk

    My parents taught me to have a savings account and have money be deposited into it every month via stop order. You know when you’ll need extra cash!

    October 12, 2018 at 11:31 am Reply
  • Bianca Balutto

    Save each month even if its putting away R50 or R100 each month for emergencies

    October 12, 2018 at 12:04 pm Reply
  • NjabuVee

    a lil investment now will go a long way to ensuring me financial freedom

    October 12, 2018 at 2:44 pm Reply
  • Lisa-Ann Stieger

    The best financial advice I’ve received is that you need to save consistently. Don’t overwhelm yourself with how much, start small and it will become habit.

    October 12, 2018 at 5:17 pm Reply
  • thea lennox

    Best financial advice was to buy a house that you can just just afford because you want to buy once and make it your home. A car loose value but a house’s value always increase

    October 12, 2018 at 5:45 pm Reply
  • Beverley

    That when ever you receive money you always spend some and save some

    October 12, 2018 at 6:54 pm Reply
  • Nadia

    I was advised to avoid being in debt. Definitely great advice, even if it’s not always realistic.

    October 12, 2018 at 7:44 pm Reply
  • Laura Sher

    To see that you are financially stable when you are unable to work any longer. So I would say definitely a retirement annuity policy rather than a huge policy for when you die to be left to children.

    October 12, 2018 at 8:35 pm Reply
  • Yolande Murphy

    When attempting to settle your debt, start with your small debt first. That way it is a sense of accomplishment every time something is paid off and it motivates you to keep using extra money to get debt free!

    October 12, 2018 at 8:37 pm Reply
  • Yuvi

    from the first pay cheque start keeping aside just 10% of your pay as saving. don’t touch it and as things get better increase the % you are saving. avoid credit and rather save up and purchase the items you want with cash not credit.

    October 13, 2018 at 6:59 am Reply
  • Yoliswa Mphahlele

    Start saving while you are young. Even it just R50 a month. Save as much as you can when you can and spend it on things that aren’t temporary.

    October 13, 2018 at 7:26 am Reply
  • kamilah francis

    My father use to tell me to save a little money each month, no matter how difficult.Its not the amount that matters it’s the habit you learn that one day will stand you in good stead.

    October 13, 2018 at 11:15 am Reply
    • Boitumelo Mapholo

      Invest your money in shares from different companies and property has less risk of loss should you invest in it…..N more importantly always invest in life cover for your children to maintain the lifestyle even after your gone

      October 13, 2018 at 7:22 pm Reply
  • Soraya

    🔸Save your money for the rainy days.
    🔸Don’t waste your money.
    🔸If you don’t need something don’t buy it.
    🔸Creating debt is a big no no.
    🔸Drawing a financial planner is essential and budgeting should be done with precision.
    🔸 Shop at sales where possible
    🔸 Sell old or unused items online.

    October 14, 2018 at 5:03 am Reply
  • Kenneth van der Walt

    Best advice is to reduce high interest debt as soon as possible, and save. Every little bit helps

    October 14, 2018 at 5:08 am Reply
  • Sandy Becker

    Don’t have a credit card.

    October 15, 2018 at 6:25 am Reply
  • jenny black

    If you have to buy something on credit & cannot afford to buy it cash, then you don’t really need it

    October 15, 2018 at 7:45 am Reply
  • Chesna Horne

    Firstly put your Goals Down on paper and ask yourself what you want to work towards then draw up a strict consistent monthly spreadsheet with your salary minus expenses(Accounts,Groceries,petrol etc) and savings(Big or Small is good enough) and what you are allowed to spend weekends so that you do not overspend. Try and pay your accounts online so that temptation=by seeing something you like don’t get to you by going into the store. Try not to keep to much cash in your purse(R 30 max for parking) and what ever extra commission,incentive you receive, put that into your savings for any emergency or towards your goal and tell yourself that “this is extra and is not part of my basic salary” otherwise it would be spend on not needed wants unless something is really needed. This works for me 🙂

    October 15, 2018 at 8:08 am Reply
  • Adele

    Its never too early to start saving! Rather do without the takeouts once a month, to know that money will help you later on!

    October 15, 2018 at 10:37 am Reply
  • Deidre Lindemann

    Dont spend money you do not have. Luxuries come last . And always put a portion of your earnings into a savings.

    October 15, 2018 at 11:13 am Reply
  • Rosemary Walker

    Work hard, try save (not very easy with the cost of living) and most importantly get by with what you have and can afford. It is far too easy to get into debt with a piece of plastic.

    October 15, 2018 at 11:27 am Reply
  • thebirdandthebeard

    Only spend on your credit card what you can pay off by the end of the month.

    October 15, 2018 at 11:44 am Reply
  • Melanie Pieterkosky

    Pay your credit card off every month before interest. Basically, only have a card for the credit record.

    October 15, 2018 at 12:18 pm Reply
  • Jessie Visser Dungey

    When we found out I was expecting we started a R1 savings plan for our baby. That basically entails that nobody in the immediate family spends their R1. Each house,ours and grandparents have piggybanks where R1 coins are saved for her. And we deposit it into a savings account for her twice a year. She is turning 3in November and has R2000 saved. You dont feel like it’s a big contribution because you cant do anything with R1. It makes saving a lot easier.

    October 15, 2018 at 12:20 pm Reply
  • Sofiah Motala

    Always save a portion of your monthly earnings for a rainy day

    October 15, 2018 at 4:54 pm Reply
  • Irfaan Adam

    Only buy essentials,shop around for bargains and spoil yourself once a while

    October 15, 2018 at 5:00 pm Reply
  • Ayesha

    Invest your money

    October 15, 2018 at 5:28 pm Reply
  • Deshnee

    The 50/30/20 Rule of Thumb for Budgeting was a great help in my financial planning. It a simple rule I “try” and bear in mind whenever I allocate my spending . Basically it means that 50% of my spending needs to be for my NEEDS , 30% for my WANTS and 20% is allocated for SAVING

    October 16, 2018 at 8:25 am Reply
  • MHercules (@MHercie)

    I’ve learnt, give to God what is his, so no matter my financial position ,I give God his 10th.
    Then I pay my expenses,what’s left I put a 10th into savings,then the next 10th into investments.The remainder I use as I please.

    October 16, 2018 at 9:16 am Reply
  • Sherri Daniel

    Cash is king! Earn it, save it!

    October 16, 2018 at 1:56 pm Reply
  • Chelsea Miller

    Rich Dad Poor Dad completely changed my views on all things financial – I was always terrified of Debt but once you know the difference between good and bad debt, you can use other peoples money to make more money for yourself (legally obviously :-))

    October 17, 2018 at 10:32 am Reply
  • Tanika

    When it comes to spending wisely – never go grocery shopping on an empty stomach

    October 17, 2018 at 11:26 pm Reply
  • Jordan

    Always put some away for a rainy day!

    October 18, 2018 at 11:27 am Reply
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